CITI PAYALL FREQUENTLY ASKED QUESTIONS

1. What is Citi PayAll?

Citi PayAll is a service that enables Citi cardholders to make payments to various Payees using a Citi credit
card. You can now make several payments – such as school fees, rent, membership / association fees,
retainer / professional fees, and insurance premiums, subject to payment of a transaction fee. These
transactions will also allow you to earn miles, points, or rebates, subject to the exclusions in item 4. The
rewards currency will depend on your card type, and this will be subject to capping.

To start using Citi PayAll, please log into the Citi Mobile App® then tap on Payments then choose Citi PayAll
or set up through the unique link in the email or SMS sent to you.

2. Who can I pay with the Citi PayAll Service?

Citi PayAll allows you to pay for school fees, rent, membership / association fees, retainer / professional
fees, insurance premiums and other purposes of payments displayed on the screen using your Citi Credit
Card. The beneficiary need not be a Citibank Customer, as Citi PayAll allows payments to other local banks.
These funds will be received by the beneficiary as a normal bank funds transfer.

For this service, only payments to domestic / local banks will be allowed.

3. What cards can I use for Citi PayAll Service?

You can use the following cards for the Citi PayAll Service – Citi Prestige, Citi PremierMiles, Citi Rewards,
Citi Platinum, Citi Cashback, Citi Simplicity+, Shell Citi Card, Mercury Drug Citi Card, and Grab Citi Card.

4. Do I earn rewards for my Citi PayAll Service transactions?

Yes. You will earn rewards for your Citi PayAll Service transactions except if your card is a Shell Citi Card, or
Citi Simplicity+ card. The rewards currency will depend on your card type, and this will be subject to capping.
Shell Citi Card and Citi Simplicity+ card will not earn rewards for Citi PayAll. The rewards will only be credited
after your card has been charged with the Payment Amount as well as the Citi PayAll Transaction Fee.

5. Can I schedule a payment?

Yes, you can schedule a payment date. The Citi PayAll Service will allow you to select a payment due date
that is 7 calendar days after the set–up date or the earliest possible date shown on the Citi PayAll screen.
You have the option to make this either a single (one-time payment) or a monthly recurring payment for
the next 12 months.

6. What name convention should I use in the recipient name field?

To avoid any possible inconvenience that may arise, kindly indicate the exact bank account name of your
recipient.

7. How long do payments take to reach my payee?

Your payment will be credited to your payee’s account after two (2) banking days from the date that your
card has been charged (Payment Charged Date). To ensure timely payment, your card can be charged up to
three (3) banking days prior to payment due date.

Please note that the earliest date you can schedule a payment is seven (7) calendar days from your day of
set-up or the earliest possible date shown on the Citi PayAll screen.
8. Is there a fee for using Citi PayAll?
Yes, a Citi PayAll Transaction Fee is charged for all Citi PayAll transactions, which is determined for each
customer, as part of your enrollment. The Citi PayAll Transaction Fee will be reflected on the screen after
you input the transaction amount and recipient details.

9. I've lost my card! Will my future-dated payments still be charged?

If you have lost your card, your payments will continue on the newly reissued card. As mentioned in the
terms & conditions - if you have scheduled a recurring Payment on a designated card and such card is
renewed or replaced with a card bearing the same card number, you acknowledge that these recurring
Payments will be charged to such renewed or replaced card.

10. Is there a cap to the amount I can transact via Citi PayAll?
Yes, you can pay up to PHP 200,000 so long as it does not exceed your account credit limit. Kindly note that
that the transaction will not push through if you exceed your account credit limit.

You can make a maximum of 10 transactions, with up to 2 transactions made to the same beneficiary, within
the same calendar month. There is a maximum limit of PHP 1,000,000 (~USD 19,000) on total transactions
per month. These limits are per customer, across all cards, based on the Payment Due date specified in the
transaction.

11. I want to cancel my 10th Citi PayAll transaction due on the same month as my other nine transactions.
Once cancelled, can I make another transaction due on the same month as my other remaining
transactions?

Should you wish to cancel an existing transaction, please note that a new one with a payment due for the
same month (payment due date) may only be enrolled on the next banking day.

12. I want to cancel my 2nd Citi PayAll transaction due on the same month as my other existing transaction
payable to the same beneficiary. Once cancelled, can I make another transaction due on the same month
to the same beneficiary?

Should you wish to cancel an existing transaction for the same beneficiary, please note that a new one with
a payment due for the same month (payment due date) may only be enrolled on the next banking day.

13. How will I know if my payment was declined? What do I do if this happens?
You will receive an SMS and/or e-mail notification that your transaction got declined by Citibank for reasons
such as exceeding your account credit limit or status of your credit card.

You will also receive an SMS notification that your payment was declined by the receiving bank. The
Payment Amount will be credited back to your credit card account after two (2) banking days from receipt
of the notification.

If this happens, you will not be able to proceed with the Citi PayAll Service. Please make alternative
arrangements to ensure your recipient gets paid on time.

14. If a payment fails, will I still be charged?

If your payment fails to go through, the payment amount and the transaction fee will be credited back to
your credit card after two (2) banking days from Citi’s receipt of rejection notice.
15. My transaction was rejected. Can I request for it to be reprocessed following the same due date?
No. Should you wish to still use Citi PayAll for your payment, you can setup a new one and select a payment
due date that is seven (7) calendar days after the set – up date or the earliest possible date shown on the
Citi PayAll screen.

16. Is there a deadline for me to set up Citi PayAll?

You can set up your payments via (1) the unique link, which is sent across via email or SMS and will lead you
to Citibank Online, within the period declared either on the email or SMS, and (2) anytime via the Citi Mobile
App.

Please note that you will need to set up the Citi PayAll transactions at least seven (7) calendar days before
your target payment date or the earliest possible date shown on the Citi PayAll screen.

17. How will I know if my set up or payment is successful?

You will receive an SMS notification and/or an email when the payment has been set up successfully, as
well as when the payment has been successfully charged to your credit card. Successful payments will be
reflected on your credit card statement.

In line with this, if your payments are recurring – you will also receive a notification every month, when the
transaction is charged to your credit card.

We will also notify you if your payment was not successfully charged to your card.

18. Will I receive a reminder for my upcoming Citi PayAll transaction?

Yes. You will receive a reminder for your upcoming Citi PayAll transactions via SMS and/or email three (3)
calendar days before your card is charged (Payment Charged Date).

19. What happens if I input incorrect details and set up the payment to the wrong recipient / beneficiary?
If you have accidentally placed the wrong payment / recipient details – and this was processed successfully,
the transaction amount with the transaction fee will not be refundable, and will still appear on your
statement.

Please ensure that you input the correct details as we do not carry out any independent verification on the
Payee Account, reference numbers, and/or other payment details you have provided.

20. Can I raise a dispute on my Citi PayAll payment transactions? Will I be reimbursed?
You will not be able to raise a chargeback dispute in respect of any payment transaction, as all Citi PayAll
payment transactions will not be processed via any of the card associations (for example, Visa or
Mastercard), the chargeback dispute resolution process of the card associations will not be available to you
and accordingly. All claims and disputes against a payee should be pursued directly with the applicable
payee.

21. Can I amend or cancel my transaction after I have confirmed it?

Unfortunately, you cannot amend your transactions once it has been set up. However, should you wish to
cancel the transaction, please log into your Citi Mobile® Application. You can review and cancel your existing
payment instructions by selecting the Citi PayAll option under “Payments” tab and going to the “Manage
 PayAll” screen. However, please note that you may only cancel a transaction up to three (3) banking days
before your next payment due date.

22. How will my Citi PayAll payments be reflected on my credit card statement?
Your payment will appear as "CITI PAYALL" on your credit card statement, along with indications of the
payment type and your recipients name e.g "CITI PAYALL - RENT - LEE WALKER".

23. How will my Citi PayAll payments appear on my recipient’s bank statement?
Your recipient will see the transaction in their bank statement depending on the convention that their banks
use. Based from sample transactions done, here are some examples of the conventions used by non-
Citibank local banks:

BDO Remittance
BPI Elink Payment
PNB Remittance Transaction

For Citi PayAll payments made to a Citibank account, your payment will appear as “CITI PAYALL,” along with
the payment type and payor’s name e.g. “CITI PAYALL – SCH FEE JUAN CRUZ.”

24. What may I present to the payee as proof that I made a payment?
You may use the SMS and/or email notification that you’ve received from Citi that your Citi PayAll
transaction has been completed and charged to your credit card. You may also refer to your statement
where your Citi PayAll transaction is shown and/or to your completed Citi PayAll transaction found on
“Manage PayAll” screen on your Citi Mobile App®.

25. My first transaction for my recurring Citi PayAll payment was unsuccessful. Will my succeeding
transactions for the same Citi PayAll payment be cancelled?
No. Citi will still attempt to process your succeeding transactions for the same Citi PayAll payment.
 CITI PAYALL SERVICE TERMS AND CONDITIONS

Please read the following terms for the Citi PayAll Service. These govern your use of PayAll. These terms may be
amended at any time and from time to time at our reasonable discretion.

1. DEFINITIONS
Account Credit Limit
The maximum amount that you can spend on the Card.

Business Day
Any day on which banks are open for business in the Philippines. This does not include Saturday, Sunday, as well
as public holidays in the Philippines.

Calendar Day
All days in a year, including weekends and holidays.

Card
The Citi credit card issued by us, which also includes renewal/s and replacement/s. This also includes the
supplementary card where the context requires.

Card Account
The account maintained with us in respect of the Card.

Cardholder
A person to whom a Card is issued. This also includes the supplementary cardholder where the context requires.

Citi
Citibank, N.A. – Philippine Branch.

Citi PayAll Transaction Fee

The service charge or administrative fee for the PayAll Service. It is up to 3% of the Citi PayAll Payment
Amount. This may be amended from time to time at our reasonable discretion.

Malware
This means computer viruses, bugs or other malicious, destructive or corrupting software, code, agent, program
or macros, and/or phishing or social engineering schemes – which utilize computer software or
telecommunications to obtain your personal data or security information (such as OTP, password, and user ID),
or any other information related to you for malicious or fraudulent purposes, including, without limitation,
through Structured Query Language injections, cross site scripting, worms, Trojan horses, adware or spyware.

One Time PIN, OTP

This is the One-Time PIN which will be sent to you via SMS. You will need to input this OTP in the payment
confirmation screen to authorize a payment.
PayAll Service / Service
Citi’s online facility for the Citi credit card which enables Cardholders to make payments to various Payees with
a Citi credit card. This term includes any content, information, features, technologies and/or functionalities
offered by Citi to facilitate the provision of such platform and/or application, and all upgrades, updates and
enhancements to the same.

Payee
This refers to the accountholder of the Payee Account or the party who is the intended recipient of the Payment
Amount.

Payee Account
This refers to the account specified by you as the recipient account of the Payment Amount.

Payment
A payment made through the Service with your Card, to the relevant Payee, which is subject to such transaction
/ daily / monthly limits that are determined by Citi in its reasonable discretion.

Payment Amount
The aggregate Philippine Peso value of a Payment.

Payment Charged Date

This is a date, prior to the Transaction Payment Date, on which you have authorized us to charge the Payment
Amount and the fee to your card.

Registration Date
The date you register a particular transaction for payment under the PayAll Service, and also when you specify
the Transaction Payment Date/s.

Relationship Limit
The maximum amount you can spend on all of your Cards.

Restricted Activities
All restricted activities in relation to your use of the Service, including those specific activities described in Clause
9 of these terms.

Rewards
Any goods, services, benefits, arrangements or other privileges (including without limitation, miles on
participating airline frequent flyer programs, loyalty program points, cash credit or annual membership fee
waivers), as may be determined by us in our absolute discretion, which may be redeemed by the use of Points,
Miles or Rebates under the respective rewards programs.

Supplementary Card
A card issued to a supplementary cardholder.
 Supplementary Cardholder
A person to whom a supplementary card is issued.

Transaction Payment Date

The date you specify by which your Payment Amount is to be paid to the Payee. This must be a date falling two
(2) business days after the Payment Charged Date. For the avoidance of doubt, we are entitled to make the
payment anytime between the Payment Charged Date and Transaction Payment Date.

We, Our, Us
Citibank, N.A. – Philippine Branch

You, Your
The Cardholder. This also includes the supplementary cardholder where the context requires.

2. PAYALL SERVICE
2.1. The Service enables you to make payments to various Payees in the Philippines for goods purchased from
and/or services rendered by such Payees, with your Citi credit card. You will be charged the Citi PayAll
Transaction Fee for each payment made using this Service. Payments may only be made in Philippine
Pesos.

2.2. Payments made using this Service may earn you Rewards on your Card. The Rewards currency will depend
on your Card type, and the earning of Rewards will be subject to the terms of and applicable caps for the
respective Card types. The Rewards will only be credited after your Card has been charged with the
Payment Amount as well as the Citi PayAll Transaction Fee.

2.3. The Service is governed by these Terms, which may be amended by us from time to time at our reasonable
discretion. In addition, your Card account is governed by the Citi Card Agreement, which is available on
https://www.citibank.com.ph/citicardagreement/. Unless otherwise stated, in the event of any
inconsistency between the Terms and the Citi Card Agreement, these Terms shall apply.

2.4. We reserve the right to offer differential and promotional Citi PayAll Transaction Fees to Cardholders based
on an evaluation of their credit card relationship with Citi.

3. ELIGIBILITY & PARTICIPATION

3.1. A Cardholder whom we have invited to participate in this Service, and whose Card account is in good
standing, as determined by us in our sole discretion, may avail of this Service. We are not obliged to provide
this Service to any Cardholder, and may not extend the invitation to any Cardholder at our sole discretion.

4. PAYMENTS
4.1. When you make a Payment using our Service, you are authorizing us to debit the Payment Amount and
the Citi PayAll Transaction Fee from your designated Card, and to credit such Payment Amount to your
Payee Account.
4.2. When using the Service to make Payments, you are responsible for ensuring the accuracy and
completeness of all account numbers and amounts contained in your instructions. Failure to do so may
result in your Payment being made to an incorrect payee or account and/or an incorrect Payment Amount.
We will not be responsible for such errors or any resulting loss or damage incurred by you. We do not carry
out any independent verification on the Payee Account.

4.3. You may specify the Transaction Payment Date(s) on which you require the specified Payment Amount to
be transferred to your Payee Account and we will, on the Payment Charged Date, charge your Card in
advance of the specified Transaction Payment Date. The Transaction Payment Date must be at least seven
(7) calendar days after the Registration Date to ensure that there is enough time to complete the Payment
prior to the Transaction Payment Date.

4.4. You accept that we cannot guarantee the time at which the Payee Account will be credited by the relevant
receiving bank. To avoid incurring any late or other financial charges, you must initiate a Payment
sufficiently ahead of the due date of your payment, provided that the Registration Date should be at least
seven (7) calendar days before the date your payment is due to the Payee. We will not be liable for any
such late or other financial charges.

4.5. When you schedule recurring Payments, you authorize us to charge your designated Card automatically
on a recurring basis at the frequency and for the period specified by you via the Service, without further
reference to you for each such Payment. Where you have scheduled a recurring Payment on a designated
Card and such Card is renewed or replaced with a card bearing the same card number, you acknowledge
that these recurring Payments will be charged to such renewal or replacement card.

4.6. We shall not be obliged to carry out any Payment and may reject any Payment transaction on your Card at
our discretion. Without prejudice to the generality of the foregoing, you agree that you are not allowed to
make Payments in respect of (i) any loan/debt repayment such as but not limited to mortgage repayments,
credit card payments and loan payments, (ii) any cryptocurrency related transactions, (iii) unacceptable
transactions, such as gambling or games of chance, or transactions whose cause, object or purpose is
contrary to law, morals, good customs, public order or public policy, (iv) investments, investment-linked
insurance or variable universal life insurance, or other insurance products that are offered by Citi or its
affiliates, (v) transactions which are not for personal purposes or use or (vi) such other transactions that
we may determine at our discretion.

4.7. We may impose limits on the amount of Payments you can do on a transaction / daily / monthly basis.
Such limits may be revised from time to time at our reasonable discretion.

4.8. You accept and agree that no refunds of Payment Amounts or Citi PayAll Transaction Fees are permitted
once charged to your Card account. You may request to cancel a Payment transaction at least seven (7)
calendar days prior to the Transaction Payment Date, but such request is subject to our approval and at
our discretion.

4.9. We may in good faith regard any instruction which are referable to your OTP and/or such other
identification number or security device as we may issue to you from time to time, or otherwise in
 accordance with our prescribed verification process, as authentic and duly authorized, whether or not
actually authorized by you. We shall be under no obligation to investigate the authenticity or authority of
persons sending or purporting to send the instructions or to verify the accuracy and completeness of the
same. Such instructions shall be deemed to be irrevocable and binding on you notwithstanding any conflict
or inconsistency with any other prior instructions given by you to us or any error, lack of clarity or
misunderstanding in any instruction received by us; provided that the instructions were provided in
accordance with our prescribed verification process prevailing at the time.

5. EXCLUSION OF LIABILITY
5.1. You acknowledge that we are not responsible for any interruptions, errors, omissions, or delays in the
Service and/or the transfer of the Payment Amount to the Payee Account save for our gross negligence or
willful default.

5.2. In the event that we are rendered wholly or partly unable to provide the Services by reason of causes
beyond our control, including (but not limited to) equipment, system or transmission link malfunction,
failure or sabotage, fire, flood, explosion, storm, acts of God, accidents, epidemics, work stoppages, strikes,
lockouts, power blackouts or failure, labor disputes, civil disobedience, riots, rebellions, compliance with
applicable laws or regulations, or by any other causes which we cannot reasonably be expected to avoid,
the performance of our obligations as they are affected by such causes shall be excused for the
continuance of such causes. We shall not be liable for any delay, loss, damage or inconvenience
whatsoever caused by or arising from or in connection with any one or more of the above-mentioned
causes.

5.3. Without prejudice to the generality of the foregoing, we shall not be responsible for any losses, damages,
expenses (including any late/financial charges or penalties incurred by you) and where applicable, you shall
compensate us for any losses, damages, and expenses incurred by us, in connection with your use of the
Service, including but not limited to any of the following situations: -

5.3.1. Any delay or failure in delivery or transmission of Payment Amounts;

5.3.2. Any variation, cancellation or discontinuation of the Service;

5.3.3. Your Card account is closed or your Card account (or any credit balance therein, if any) has
been put on hold;

5.3.4. The Payment will cause your Card account to go over your Relationship Limit;

5.3.5. You have not provided us with complete and correct payment information, including without
limitation the Payee Account number and Payment Amount(s);

5.3.6. You have, in our opinion, misused the Service;

 5.3.7. The Payment is rejected by us or by the receiving bank (which holds the Payee Account) for
any reason whatsoever;

5.3.8. Our taking of and processing of any of your Payment instructions in accordance with our
prescribed verification process and acting upon them, including where such instructions
were given in an attempt to undermine our prescribed verification process, such as by
means of any Malware;

5.3.9. Our compliance with applicable laws or regulations;

5.3.10. Your failure to comply with any applicable laws or regulations;

5.3.11. Your equipment (including computer, mobile, laptop or other handheld devices), software
or any communications link is not working properly;

5.3.12. The Service is unavailable/down for maintenance;

5.3.13. Your use of the Service is being prohibited, restricted, delayed or otherwise affected by (A)
the laws and regulations of the country from where the Service is accessed and/or the
terms and conditions prescribed by the relevant service provider, information service
provider, network provider, content provider, service or such other equivalent system in
such country of access; (B) any law or regulation of any jurisdiction, regional or
international authority which governs any use or any component of the Service, the
relevant internet service provider, information service provider, network provider, content
provider, server or such other equivalent system; (C) any act or omission by the relevant
internet service provider, information service provider, network provider, content
provider, service or such other equivalent system; (D) our modifying, maintaining or
upgrading the Service and/or the relevant webpages; and/or (E) our terminating or
modifying the Service; or

5.3.14. The fraud, negligence, default, act or omission of any third party.

5.4. We may at our absolute discretion, from a risk management perspective, security perspective or if required
by the relevant authority or under any applicable law or regulation, without notice to you and without
giving any reason, suspend your right to the Services and terminate the Services. Save as provided above,
we may terminate the Service at any time at our discretion with reasonable notice.

5.5. Your use of the Service is entirely at your own risk. Without prejudice or limitation to any of these terms,
we will not be responsible for any losses, damages, expenses or costs whatsoever (including without
limitation, any direct, indirect, special, incidental or consequential damages, loss of profits or loss of any
opportunity) suffered by you or any third party arising from us acting or not acting on any such instruction
for any reason whatsoever, except in the case of our gross negligence or willful default You agree that for
the avoidance of doubt, we shall not be liable to you for any losses or damages, expenses or costs
whatsoever (including without limitation, any direct, indirect, special, incidental or consequential
 damages, loss of profits or loss of any opportunity) arising out of or in connection with the disclosure to
any person of any information whatsoever regarding you, the Card account(s), arising in any way as a result
of or from or in connection with your neglect or failure to keep your OTP or other security-related
information (for example password, PIN) confidential or your use of the Service, except in the case of our
gross negligence or willful default.

5.6. Any contract between you and a Payee in respect of any goods or services provided to you by the Payee,
or in respect of any payment obligation between you and a Payee, is independent of these Terms and is
entirely between you and such Payee. Accordingly, we assume no responsibility and will have no liability
of any kind whatsoever in respect of your dealings with Payees including with regards to the Payment
Amount, the proper and timely delivery of goods or services by Payees. You remain solely and fully
responsible for the timely and complete fulfillment of all your obligations towards your Payee (whether
under contract or at law), including all payments to be made by you to a Payee. You agree to pursue all
claims and disputes against a Payee directly with the applicable Payee.

6. FEES, INTEREST AND TAXES

6.1. You will be charged the Citi PayAll Transaction Fee for every Payment you make through the Service, the
amount of which will be disclosed to you when you use the Service. This Transaction Fee is payable in
addition to the Payment Amount. By using the Service, you authorize us to charge the Citi PayAll
Transaction Fee to your Card at the same time as, and in addition to, the corresponding Payment Amount.
The Transaction Fee may be amended by us from time to time at our discretion provided that the
Transaction Fee will be disclosed to you when you use the Service.

6.2. You shall be responsible for any tax or any other levies or charges whatsoever now or hereafter imposed
by law or required to be paid in respect of any Payment and you shall compensate us for any payment of
such taxes made by us (if any) on your behalf.

6.3. If we do not receive your full payment for the Citi PayAll transaction(s) and/or for the total amount due on
your Card on the due date specified in the statement of account of your Card, you must pay us all fees,
interests and charges levied in accordance with the Citi Card Agreement and the Citi Card Fees and Charges.

7. RELEASE OF INFORMATION
7.1. By availing of this Service, you explicitly consent to us providing and otherwise processing your name,
Payee’s Name, and Payee’s bank account details for the purpose of fulfilling your instructions and remitting
the Payment to the Payee Account.

7.2. You agree that we may disclose any information whatsoever regarding you and/or your card account(s) in
connection with this Service to:

7.2.1. Any of our agents, service providers, correspondents, independent contractors and/or
associates;
 7.2.2. Any bank or financial institution involved in the Payment, which includes the receiving bank
of the Payment Amount (i.e. the bank which holds the Payee Account); and

7.2.3. The police, regulators or courts of competent jurisdiction or any public officer conducting
investigations in connection with any offense or alleged offense.

8. FUND HOLDS
8.1. At our sole discretion, we may place temporary holds on Payments or suspend, cancel, deny, stop or
reverse any Payment without any liability to you or any third party (including for late fees, penalties, or
interest imposed as a result of late payment), including for the following reasons: (a) in order to verify the
identity or status of the Payee or to conduct such checks as we may deem necessary to comply with
applicable laws or regulations; (b) if you have brought a dispute or claim against us and that dispute or
claim has not been resolved; (c) if you may have committed a breach of these terms or of the Citi Card
Agreement; (d) we detect any unusual or suspicious activity on your Card; (d) we have reason to believe
that the Card may be or may have been compromised, used for fraud or for unacceptable transactions,
void or illegal transactions, or (e) we have reason to believe that there is any unauthorized or fraudulent
use of the Service. We have the right to request more information from you or any third party regarding a
Payment before a hold is released.

9. YOUR RESPONSIBILITY
9.1. When accessing and using the Service, you must comply with any prescribed verification procedures, or
other procedures, directions and instructions communicated by us to you. Further, you hereby represent
and warrant that you shall not, in connection with your use of the Service:

9.1.1. Use the Service other than exclusively for the types of Payments and Payees we allow (as
set out in these terms);

9.1.2. Send money to yourself or recipients who have not provided you with goods or services
(unless expressly allowed by us);

9.1.3. Provide yourself or any other party a cash advance from your Card (or help other parties
to do so);

9.1.4. Breach these terms;

9.1.5. Engage in any fraudulent, illegal or unlawful activity whether intentionally or

unintentionally, or breach any regulations, rules, notices, instructions or directives of any
regulatory body or authority, governmental agency or national or other securities
exchange;

9.1.6. Infringe our or any third party’s copyright, patent, trademark, trade secret or other
intellectual property rights;
 9.1.7. Use the Service in a manner that we reasonably believe to be in breach of the relevant card
association or network rules; and/or

9.1.8. Use the Service to operate or engage in any business regulated by the Bangko Sentral ng
Pilipinas or any other relevant regulatory body. Such businesses include but are not limited
to money services or remittance businesses or virtual currency exchanges.

9.2. Where we determine that you have engaged in any Restricted Activities, or committed a breach of these
terms or any applicable laws or regulations, or if we suspect that you have engaged in fraud or an illegal
activity in connection with the Service, we shall be entitled to take such action as we may deem
appropriate, including the following: (a) terminating, suspending, or limiting your access to the Service
(such as limiting your ability to submit Payments); (b) declining your transaction even if you have sufficient
Credit Limit / Relationship Limit; (c) suspending or canceling your Card privileges, the Card or both; (c)
updating inaccurate information you provided us; and/or (d) refusing to provide our Service to you in the
future. You agree to cooperate fully with any investigation that we conduct in connection with the
foregoing.

10. INDEMNITY
10.1. You will indemnify us and hold us free and harmless against any loss, damage, liability, cost and expense
(including legal costs), which we may reasonably incur or suffer as a result of or in connection with your
Card account and/or the Service and/or these terms, including without prejudice to the generality of the
foregoing:-
10.1.1. Your breach of any of your obligations under these terms;

10.1.2. The actual or attempted enforcement or protection of any of our rights and remedies
against you; and/or

10.1.3. Any change in any law, regulation or official directive which has an effect on the Service,
the Card, the Card account and/or these terms;

and the same may be charged to your Card account and/or shall be paid by you on demand.

11. NO REPRESENTATIONS OR WARRANTIES

11.1. You expressly understand and agree that your use of the Service is at your sole risk. The Service is provided
to you “as is”, “as available” and without any representation or warranty of any kind, whether express,
implied or statutory (including any implied warranties of title, merchantability, satisfactory quality, fitness
for a particular purpose, compliance with any description, non-infringement or any implied warranty
arising from course of performance, course of dealing, usage of trade or otherwise, all of which are
expressly disclaimed). We expressly disclaim all warranties of any kind, whether express or implied,
including, but not limited to the implied warranties of merchantability, fitness for a particular purpose and
non-infringement, except in the case of our gross negligence or willful default. In particular, we make no
warranty that (I) the Service will meet your requirements or that (II) the Service will be uninterrupted,
timely, secure, virus-free or error-free.
12. INTELLECTUAL PROPERTY
12.1. You acknowledge that all proprietary rights relating to and in connection with the Service (including
without limitation the Citi websites or webpages on which the Service is hosted) and all updates thereof,
including without limitation any title, trademark rights, patent rights and copyrights, shall at all times vest
and remain with us.

13. GENERAL
13.1. These terms are governed by Philippine law and you hereby submit irrevocably to the non-exclusive
jurisdiction of the Philippine courts. The exclusive venue of all suits to enforce these terms is in the proper
courts of Makati City; you waive any other venue.

13.2. You understand that as a subsidiary of Citigroup Inc., a U.S. financial holding company, we are required to
observe certain U.S. laws and regulations, including but not limited to those relating to economic sanctions
on certain countries, organizations and/or individuals issued by the U.S. government. You understand and
accept that these laws and regulations may result in us taking or refraining from taking certain actions,
including but not limited to suspending or terminating your Card account(s) or holding or returning the
funds which are the subject of payment instructions made by you or in your favor. Neither Citibank, N.A.
– Philippine Branch nor any Citigroup organization will be liable for any loss to you as a result of our taking
or refraining from taking any actions (which we consider in our sole determination, to be appropriate or
requested) to comply with any U.S. laws or regulations.

For any concerns, you may call us at (632) 8995-9999 or send us a message through www.citibank.com.ph.
Citibank, N.A. Philippine Branch is regulated by Bangko Sentral ng Pilipinas with contact details at
https://www.bsp.gov.ph.

For your complaints/concerns, we will endeavor to resolve these within 7 business days. For complaints/concerns
requiring more time to resolve we will be in touch with you and inform you of the progress.